That is a problem common to most on-board sound cards. It is basically "background noise" cause by the other components on the motherboard.
The easiest way to solve that is to add a sound card. If all you want to do is use a mic to talk to friends, something like the Sound Blaster Live is all you need. Those are quite common, normally selling used for around $20.
This is why most audio professionals (like me) do not use the sound on-board, but instead buy sound cards. The "noise floor" is much lower. The noise floor of an PCI sound card is normally around 20db lower then those on built-in sound cards.
Myself, I use either a Turtle Beach Santa Cruze, or a Sound Blaster Audigy on my recording systems. But I also have much more "exotic" equipment. I use a Shure professional mic, that is run through a 16 channel mixer board. I am not useing my main system for recording at the moment, becasue I am useing Vista RC1. For some reason, Creative can't get the Audigy drivers to work right, so I am stuck with the on-board sound. So I either use my back-up system for recording, or put projects on hold until they get the problem fixed.
Another solution would be to move to a headset that plugs in through USB. Those use their own drivers, and do not rely on the on-board sound card. However, from what I have heard those are quite price, and often are not much better (as far as the mic goes) then the on-board systems.
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